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All Journal Jurnal Akuntansi Multiparadigma TEMA (Jurnal Tera Ilmu Akuntansi) Erudio: Journal of Educational Innovation The International Journal of Accounting and Business Society EKUITAS (Jurnal Ekonomi dan Keuangan) Asia Pacific Fraud Journal Jurnal Pengabdian kepada Masyarakat Nusantara Unri Conference Series: Community Engagement DEDIKASI PKM Jurnal ABM Mengabdi Journal of Interdisciplinary Socio-Economic and Community Study Prosiding Seminar Nasional Pengabdian Kepada Masyarakat Reviu Akuntansi, Keuangan, dan Sistem Informasi Prosiding Seminar Nasional Pemberdayaan Masyarakat (SENDAMAS)
Nurlita Novianti
Fakultas Ekonomi Dan Bisnis Universitas Brawijaya
Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Journal : TEMA (Jurnal Tera Ilmu Akuntansi)

 1 
DETERMINAN INDIKATOR FINANSIAL DAN NON FINANSIAL DALAM ANALISIS KREDIT DI ERA BIG DATA (STUDI PADA P2P LENDING) Putu Prima Wulandari; Nurlita Novianti; Aulia Fuad Rahman
TEMA Vol. 22 No. 1 (2021)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/tema.22.1.32-46

Abstract

This study aims to predict and explain the effect of financial indicators on the credit score in the P2P Lending platform credit analysis and the effect of non-financial indicators on the credit score in the P2P Lending platform credit analysis. This research focuses on peer to peer lending transactions found on the fintech service "KoinWorks". This research was conducted based on the sample, and the sampling method was carried out in a non-probability sampling type, namely the judgment sampling method, and 36 companies were found that matched the criteria. The data used is secondary data derived from financial data and non-financial data of companies that apply for peer to peer lending services on "KoinWorks". While the data analysis technique in this study used descriptive statistical analysis, classical assumption test, and model accuracy test using SPSS for Windows version 16. The results of this study indicate that debt to equity ratio (financial indicator) and length of business (non-financial indicator) have an effect on determination of credit scoring by the platform.   Penelitian ini bertujuan untuk memprediksi dan menjelaskan pengaruh indikator finansial terhadap nilai kredit scoring dalam analisis kredit platform P2P Lending serta pengaruh indikator non finansial terhadap nilai kredit scoring dalam analisis kredit platform P2P Lending. Penelitian ini berfokus pada transaksi peer to peer lending yang terdapat pada layanan fintech "KoinWorks". Penelitian ini dilakukan berdasarkan sampel, dan metode pengambilan sampel dilakukan dalam tipe nonprobability sampling yaitu dengan metode judgement sampling, dan telah didapatkan 36 perusahaan yang sesuai dengan kriteria. Data yang digunakan adalah data sekunder yang berasal dari data finansial dan data non finansial perusahaan yang mengajukan layanan peer to peer lending pada "KoinWorks". Sedangkan teknik analisis data pada penelitian ini menggunakan analisis statistik deskriptif, uji asumsi klasik, serta uji ketepatan model menggunakan SPSS for Windows versi 16. Hasil penelitian ini menunjukkan bahwa debt to equity ratio (indikator finansial) dan lama usaha (indikator non finansial) berpengaruh terhadap penentuan kredit scoring oleh pihak platform.
FAKTOR-FAKTOR YANG MEMPENGARUHI PENGGUNAAN APLIKASI ANALISIS INVESTASI MENGGUNAKAN TECHNOLOGY ACCEPTANCE MODEL Jefri Ilham Rachmawan; Nurlita Novianti
TEMA Vol. 22 No. 2 (2021)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/tema.22.2.96-103

Abstract

This study aims to predict and explain TAM indicators on the use of investment analysis applications by investors in East Java. The application under study was made by Kompas Gramedia Group, namely RTI Business. This type of research is quantitative research by distributing questionnaires. The sample in this study was obtained using non-probability sampling method. The subject of this research is investors who live in East Java who have used the RTI Business application with a total of 186 respondents. The analytical method used is regression analysis using SPSS version 25. The results of this study indicate that perceptions of convenience and perceptions of usefulness have a positive effect on interest in using. Furthermore, interest in using has a positive effect on use. In addition, interest in using succeeded in partially mediating the effect of perceived ease and perceived usefulness on usage. This means that the perception of convenience and the perception of usefulness can affect the use either directly or indirectly with the role of interest in using it as a mediation.
Co-Authors Abror, Moh Afif adhyatmaka, dhafy Afia, Tutut Mei Nur Alfandia, Nurlita Sukma Anita Wijayanti Anita Wijayanti Arum Prastiwi Asmoro, Priandhita Sukowati Aulia Fuad Rahman Cindy Cornelia Wahyu Wardani Edlyn Khurotul Aini Endang Mardiati Fitrotul Laili Gugus Irianto Hanifa Maulani Ramadhan Hasna, Dinda Aulia Hudzaifah Abdurrahman Al'alim Icha Bella Febriyanti Isa, Yudisthira Jannata Muhammad Jefri Ilham Rachmawan Jeremy Ivan Kemala Maulida Kristin Rosalina Laksono Trisnantoro Lidya Zhafira Nadafajar Nurmani'ah Widianti Novianti Mukti Wibowo Nuralam, Inggang Perwangsa Nurul Anisa Priandhita Sukowidyanti Asmoro Puspita, Ayu Fury Putu Prima Wulandari Sharfina Amalia Tutut Mei Nur Afia Widyasari, Hani Sekar Wulandari, Putu Yuki Firmanto Yuki Firmanto Zaki Baridwan Zakiyah Darojah